Medical, Rehabilitation & Attendant Care: For Non-Catastrophic Injuries
NEW effective June 1, 2016 - These benefits have been combined and reduced to $65,000 total
You can choose to Increase the benefit to $130,000 total
Medical, Rehabilitation & Attendant Care: For Catastrophic* Injuries
NEW effective June 1, 2016 - These benefits have been combined and reduced to $1,000,000 total
You can choose an additional $1,000,000 for a total of $2,000,000 for catastrophic injuries
Medical, Rehabilitation & Attendant Care, all injuries
You can choose to increase the combined non-catastrophic benefit to $1,000,000 and the combined catastrophic benefit to $2,000,000
What you should be considering?
Are you aware that OHIP won't cover all of your expenses, such as:
- mobility devices, such as crutches or wheelchairs;
- doctor's fees for completing paperwork related to an injury;
- medical assessments;
- prescription drugs
Does your employer provide a Group Insurance Plan?
Know what you are covered for. Most employer benefit packages have an annual limit for each year and each visit per practitioner.
*Examples of catastrophic injuries include paraplegia, quadriplegia, permanent loss (of loss of use) of an arm or leg, and total vision loss in both eyes.
Income Replacement Benefit
All income replacement benefits are based on 70% of your gross weekly income up to $400 per week. If you cannot work as the result of an auto accident, you may be eligible for basic weekly income replacement benefits of up to $400. This benefit commences after one week.
You can choose to increase the weekly limit to $600, $800 or $1,000 per week
What should you be considering?
If you are off work for a period of time, will the base coverage on your car insurance be an effective supplement to your current income to pay for monthly expenses? DO YOU EARN OVER $30,000 PER YEAR?
If you provide full-time care to dependants, and are disabled as the result of a car accident, the caregiver benefits portion of your policy provides $250 per week for one dependant, plus $50 per week for each additional dependant. This is available to those with catastrophic injuries.
You can choose the above amounts available for all injuries, not just catastrophic injuries
- Do you have children or elderly parents that are dependent on you for care?
- Who would care for them if you were injured in a car accident?
- Are you a single parent?
How will you make sure that your expenses are not drained to subsidize care for these individuals in the case of an unexpected car accident?